Be Grounded Counselling
How to File an ICBC Claim
A step-by-step guide to reporting and filing your ICBC claim, from getting your Claim Number to understanding Accident Benefits.
After a car accident, many people feel unsure about ICBC's claims process — when to report, how to get a Claim Number, and how to apply for medical coverage. In truth, the ICBC claims process follows a set path. Following it step by step helps avoid unnecessary delays and confusion.
ICBC Dial-a-Claim
Lower Mainland 604-520-8222
Rest of BC (toll-free) 1-800-910-4222
6 Steps to Filing an ICBC Claim
STEP 1
Report the claim as soon as possible
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Call ICBC Dial-a-Claim within 24 hours of the accident to report it
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Have ready: your license plate, the date/time/location of the accident, the other driver's details, and the police file number (if any)
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You'll receive a Claim Number — this is your key reference for everything that follows
STEP 2
Get to know your Adjuster
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ICBC will assign a Claims Adjuster to handle your case
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The Adjuster reviews liability, settlement amounts, and medical benefit applications
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Keep a record of all calls and emails with your Adjuster
STEP 3
Apply for Accident Benefits (AB)
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Regardless of fault, you're entitled to basic Accident Benefits
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This includes medical and rehab costs (physio, chiro, counselling, etc.), income replacement, and homemaker benefits
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This part doesn't require the other party to be at fault
STEP 4
Submit the relevant forms
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Common forms include CL-19 (medical report) and CL-22 (doctor's referral), depending on which benefits you're applying for
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Your doctor or therapist usually helps fill out the medical portion
STEP 5
Keep all your receipts and records
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Receipts for doctor visits, physiotherapy, and counselling
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Proof of missed work due to your injury
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Vehicle repair quotes and invoices
STEP 6
Watch out for filing deadlines
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ICBC applies different time limits depending on the type of claim
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In general, the sooner you file, the better — don't risk missing your coverage window
Common Questions
Q: Fault hasn't been determined yet — can I still file now?
A: Yes. Accident Benefits (AB) don't require fault to be determined — you can start claiming medical and income benefits while liability is still being worked out.
Q: Do I need a lawyer to file a claim?
A: Not necessarily — many people handle small or straightforward claims on their own. But if there's serious injury, disputed liability, or a larger settlement involved, it's worth consulting a lawyer to protect your rights.
Q: Can counselling costs be claimed through ICBC?
A: Yes. Counselling is one of the medical benefits covered under Accident Benefits — see our "Complete Guide to ICBC Counselling" for details.
